Total Benefits

Plan coverage: certificates and summaries

While all plans cover the same basic health care services, you may want to know whether or not a certain service is covered by the plan. The most direct way to find out is to call the plan and ask. Alternatively, you can read the plan’s certificate or summary.

The plan’s Certificate of Coverage (also called the benefits booklet) describes the plan in detail. These booklets are long, but they can be helpful if you need to know something specific. If you simply want an easy-to-read summary that lets you quickly review the plan, take a look at the Summary of Benefits and Coverage.